United Nations Federal Credit Union
2401 44th Rd
Long Island Cit, NY 11101
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Phone 1-347-686-6000
2022 Overview
General Credit Union Information
United Nations is an NCUA insured institution located in Long Island Cit, NY. It was founded in 1947 and has approximately $7655.55 millions in assets.
Who Can Join?
United Nations Federal Credit Union (UNFCU) has built a tradition of value, trust and confidence with its members who are specifically the staff of the United Nations, UN Specialized Agencies, their families and retirees around the world. As a single-sponsor credit union, we are dedicated to serving only the UN community with whom we have developed a keen understanding and a strong partnership. Accordingly, membership offers many distinct advantages.
If you are ...
An employee or retiree of the United Nations and affiliated agencies
An employee of the United Nations International School
An employee of the US Fund for UNICEF
An employee of the United Nations Child Care Center
An employee of the United Nations Foundation
Employees of the United Nations Association
Employees of USA for UNHCR
Family to a UNFCU member (includes spouses, parents, children, grandchildren, grandparents, brothers and sisters)
An individual who resides in and shares financial responsibility of a household with a UNFCU member
... then UNFCU membership is open to you.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 5588 |
| Date Established | 1947 |
| Assets | $7,655.55 million |
| Loans | $4,412.27 million |
| Deposits | $6,992.70 million |
| Capital | $717.06 million |
Field of Membership Restrictions
Deposit Rates - October 6, 2022
Your Current Location: California, CA 92111
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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Money Market
|
0.15% | $2,500 | $2,999 |
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|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.75% | $100,000 | $199,999 |
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| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
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| 36 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| Compare with 3.75% APY 60 Month Online CD from M.Y. Safra Bank | Advertiser Disclosure | ||||
| 60 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| Compare with 3.75% APY 60 Month Online CD from M.Y. Safra Bank | Advertiser Disclosure | ||||
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.15% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - October 6, 2022
Your Current Location: California, CA 92111
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.63% | 5.63% | Varies | |
Compare with RATE Line of Credit from New American Funding
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 5.50% | 5.50% | $754.90 | |
| 4 Year | 5.50% | 5.50% | $581.41 | |
| 5 Year | 5.50% | 5.50% | $477.53 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Adjustable Conforming See Amortization Table |
7.33% | 6.88% | $1,643.16 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.52% | 6.50% | $2,177.77 | |
| 15 Year Fixed Conforming See Amortization Table |
6.55% | 6.50% | $2,177.77 | |
| 20 Year Fixed Conforming See Amortization Table |
7.16% | 7.13% | $1,957.80 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.14% | 7.13% | $1,957.80 | |
| 30 Year Fixed Conforming See Amortization Table |
7.28% | 7.25% | $1,705.44 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.39% | 7.38% | $1,727.54 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Adjustable Conforming See Amortization Table |
7.33% | 6.88% | $1,643.16 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.52% | 6.50% | $2,177.77 | |
| 15 Year Fixed Conforming See Amortization Table |
6.55% | 6.50% | $2,177.77 | |
| 20 Year Fixed Conforming See Amortization Table |
7.16% | 7.13% | $1,957.80 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.14% | 7.13% | $1,957.80 | |
| 30 Year Fixed Conforming See Amortization Table |
7.28% | 7.25% | $1,705.44 | |
Compare with 7.010% APR and 6.875% 30-Year Fixed RATE from Rocket Mortgage
See All Mortgage Rates |
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| 30 Year Fixed Jumbo See Amortization Table |
7.39% | 7.38% | $1,727.54 | |
|
Compare with 7.010% APR and 6.875% 30-Year Fixed RATE from Rocket Mortgage
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are United Nations branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
San Diego,California
Climate Initiatives
UNITED NATIONS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
United Nations Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United Nations. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| United Nations | U.S. Average |
|---|---|
| 2.58% | 4.75 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of March 31, 2022, United Nations had $18,619,879 in non-current loans and $396,390 in owned assets. To cover these potential losses it had $717,056,969 in net worth and $19,385,507 in loans loss reserves. That gives it a Texas Ratio of 2.58%.
Net Worth
| United Nations | U.S. Average |
|---|---|
| 9.37% | 12.28% |
United Nations FCU has a net worth of 9.37% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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